Last updated on March 10th, 2025 at 02:41 pm
Gaming headsets are an essential part of any gaming setup, whether you’re a casual player or a competitive gamer. However, they can be prone to damage due to wear and tear, accidental drops, water spills, or microphone failures.
The big question is: Should you get insurance for your gaming headset? In this guide, we’ll cover:
✅ What gaming headset insurance covers
✅ Pros and cons of getting insurance
✅ Who should consider it
✅ Alternatives to insurance (warranties & extended protection plans)
Why Consider Gaming Headset Insurance?
Unlike other gaming accessories, headsets are fragile and highly used. Issues like broken headbands, faulty microphones, damaged cables, or audio failure can happen over time. Repairs can be costly, and in some cases, replacing the entire headset is necessary.
Here are some common reasons gamers consider insurance: ✔ Accidental Damage – Dropping your headset, liquid spills, or physical breakage. ✔ Microphone Failure – Many gaming headsets suffer from mic issues over time. ✔ Speaker Malfunction – Audio on one side cuts out or stops working. ✔ Cable or Wireless Connectivity Issues – Wired headsets suffer from frayed cables, while wireless headsets may develop battery or connection problems. ✔ Extended Protection Beyond Manufacturer Warranty – Most warranties last only 1 year and don’t cover accidental damage.
For those looking for a more affordable gaming headset option, check out our Best Gaming Headset Under $100 guide to find budget-friendly alternatives that may not require insurance. If you’re still unsure about which headset suits your needs, explore our in-depth Gaming Headset Reviews for expert recommendations.
What Does Gaming Headset Insurance Cover?
Not all insurance plans are the same, but most gaming accessory insurance plans provide coverage for:
| Coverage Type | What It Covers? | Typical Coverage Period |
| Accidental Damage | Drops, falls, liquid spills | 1-3 years |
| Mechanical Failure | Speaker, mic, or driver issues | 2-5 years |
| Battery & Charging Issues | For wireless headsets only | 1-3 years |
| Connectivity Issues | Wired or wireless connection failures | 1-3 years |
| Wear & Tear Protection | Extended durability protection | 2-5 years |
📌 Tip: Always read the terms & conditions before purchasing an insurance plan to see what is covered and what is not.
Pros & Cons of Gaming Headset Insurance
✅ Pros:
✔ Covers Accidental Damage: Manufacturer warranties usually don’t cover drops, spills, or accidents.
✔ Saves Money on Repairs or Replacements: A single repair can cost as much as a new headset. Insurance reduces out-of-pocket costs.
✔ Peace of Mind: If you invest in a high-quality gaming headset, insurance ensures protection for years.
❌ Cons:
❌ Not Always Worth It for Cheaper Headsets – If your headset costs $50-$80, it might be cheaper to just replace it.
❌ Exclusions Apply – Some insurance plans don’t cover intentional damage, theft, or loss.
❌ You Might Never Use It – If you take good care of your headset, you may never need to file a claim.
Who Should Get Gaming Headset Insurance?
How to Get Insurance for Your Gaming Headset?
1️⃣ Manufacturer Extended Warranties
Many brands offer extended protection plans beyond the standard 1-year warranty.
- Logitech Extended Warranty – Available for G Series headsets.
- HyperX Extended Protection – Covers mechanical failures & connectivity issues.
- SteelSeries Gear Guard – Covers wear & tear + accidental damage.
📌 Check if your headset manufacturer offers extended protection when purchasing your headset.
2️⃣ Third-Party Insurance Providers
Some third-party companies offer gaming accessory insurance that covers accidental damage, repairs, and replacements.
| Provider | What It Covers? | Best For |
| SquareTrade (by Allstate) | Drops, spills, electrical failures | Amazon, Best Buy buyers |
| Geek Squad Protection (Best Buy) | Accidental damage & manufacturer defects | Best Buy customers |
| Asurion | Mechanical & accidental damage | Amazon purchases |
🔹 Want to check if your headset is covered? See our Gaming Headset Buying Guide for headset recommendations.
3️⃣ Credit Card Purchase Protection
Some premium credit cards offer purchase protection that covers accidental damage for up to 90-120 days. Check if your card offers:
✔ Purchase Protection (Covers damage, theft, or loss for a short period)
✔ Extended Warranty (Doubles the manufacturer’s warranty)
📌 Tip: If you buy your gaming headset with a premium credit card, you may already have protection without buying a separate insurance plan.
Alternatives to Buying Insurance
If you don’t want to pay for insurance, here are a few alternatives to keep your headset protected: ✔ Use a Hard Carrying Case – Prevents damage from drops & dust buildup. ✔ Wrap Cables Properly – Avoids fraying or breaking wired connections. ✔ Keep Away from Liquids – One of the most common headset failures is liquid damage. ✔ Store Headset on a Stand – Prevents bending, breakage, and wear on the ear cushions.
🔗 Looking for a durable headset? Check out our guide on the Best Gaming Headsets Under $100.
Final Verdict – Is Gaming Headset Insurance Worth It?
✔ If you own a premium headset that costs $100+, insurance can save you money on repairs or replacements. ✔ If you frequently drop or damage electronics, an insurance plan can give you peace of mind. ❌ If your headset is under $80, replacing it might be cheaper than insuring it.
🔹 Still unsure? See how much it costs to insure your headset in our Gaming Headset Price Guide.
